v3.26.1
Segmental analysis - Schedule of Operating Segments (Details) - GBP (£)
£ in Millions
 6 Months Ended
Jun. 30, 2026
Dec. 31, 2025
Jun. 30, 2025
Disclosure of operating segments [line items]      
Underlying net interest income £ 7,105 £ 6,752 £ 6,478
Underlying other income 3,521 3,284 2,908
Underlying income, net of underlying operating lease depreciation 10,626 10,036 9,386
Underlying operating costs (5,717) (6,526) (5,440)
Underlying impairment charge (616) (353) (442)
Profit before tax 4,293 3,157 3,504
Loans and advances to customers 491,678 481,463 471,598
External assets 994,157 944,072 919,282
Customer deposits 500,859 496,457 493,932
External liabilities 946,920 896,205 872,411
Adjustments for profit (loss) on disposal of operating lease assets (32) (7) (3)
Underlying basis      
Disclosure of operating segments [line items]      
Underlying net interest income 7,278 6,980 6,655
Underlying other income 3,310 3,151 2,969
Total underlying income 10,588 10,131 9,624
Underlying operating lease depreciation (841) (744) (710)
Underlying income, net of underlying operating lease depreciation 9,747 9,387 8,914
Underlying operating costs (4,876) (4,887) (4,874)
Remediation (39) (931) (37)
Total underlying costs (4,915) (5,818) (4,911)
Underlying impairment charge (617) (353) (442)
Profit before tax 4,215 3,216 3,561
External income 10,588 10,131 9,624
External operating lease depreciation (841) (744) (710)
Inter-segment (expense) income 0 0 0
Retail £m      
Disclosure of operating segments [line items]      
Loans and advances to customers 395,450 390,616 382,211
External assets 410,016 404,882 396,606
Customer deposits 321,836 325,169 323,365
External liabilities 328,921 331,244 329,493
Retail £m | Underlying basis      
Disclosure of operating segments [line items]      
Underlying net interest income 5,139 4,928 4,709
Underlying other income 1,406 1,360 1,276
Total underlying income 6,545 6,288 5,985
Underlying operating lease depreciation (835) (739) (706)
Underlying income, net of underlying operating lease depreciation 5,710 5,549 5,279
Underlying operating costs (2,872) (2,885) (2,922)
Remediation (17) (890) (41)
Total underlying costs (2,889) (3,775) (2,963)
Underlying impairment charge (565) (392) (342)
Profit before tax 2,256 1,382 1,974
External income 8,339 8,006 7,377
External operating lease depreciation (835) (739) (706)
Inter-segment (expense) income (1,794) (1,718) (1,392)
Commercial Banking      
Disclosure of operating segments [line items]      
Loans and advances to customers 96,211 90,307 88,716
External assets 162,481 147,186 151,336
Customer deposits 178,623 171,063 170,217
External liabilities 228,374 211,175 215,329
Commercial Banking | Underlying basis      
Disclosure of operating segments [line items]      
Underlying net interest income 2,014 1,904 1,766
Underlying other income 889 899 926
Total underlying income 2,903 2,803 2,692
Underlying operating lease depreciation (6) (5) (4)
Underlying income, net of underlying operating lease depreciation 2,897 2,798 2,688
Underlying operating costs (1,409) (1,459) (1,394)
Remediation (12) (27) 0
Total underlying costs (1,421) (1,486) (1,394)
Underlying impairment charge (51) 40 (100)
Profit before tax 1,425 1,352 1,194
External income 1,855 1,732 1,767
External operating lease depreciation (6) (5) (4)
Inter-segment (expense) income 1,048 1,071 925
Insurance, Pensions and Investments £m      
Disclosure of operating segments [line items]      
Loans and advances to customers 0 0 0
External assets 233,494 218,137 197,520
Customer deposits 0 0 0
External liabilities 228,282 213,520 192,760
Insurance, Pensions and Investments £m | Underlying basis      
Disclosure of operating segments [line items]      
Underlying net interest income (71) (73) (78)
Underlying other income 818 742 689
Total underlying income 747 669 611
Underlying operating lease depreciation 0 0 0
Underlying income, net of underlying operating lease depreciation 747 669 611
Underlying operating costs (494) (467) (466)
Remediation (7) (13) (2)
Total underlying costs (501) (480) (468)
Underlying impairment charge (1) (3) 1
Profit before tax 245 186 144
External income 829 746 690
External operating lease depreciation 0 0 0
Inter-segment (expense) income (82) (77) (79)
Other £m      
Disclosure of operating segments [line items]      
Loans and advances to customers 17 540 671
External assets 188,166 173,867 173,820
Customer deposits 400 225 350
External liabilities 161,343 140,266 134,829
Other £m | Underlying basis      
Disclosure of operating segments [line items]      
Underlying net interest income 196 221 258
Underlying other income 197 150 78
Total underlying income 393 371 336
Underlying operating lease depreciation 0 0 0
Underlying income, net of underlying operating lease depreciation 393 371 336
Underlying operating costs (101) (76) (92)
Remediation (3) (1) 6
Total underlying costs (104) (77) (86)
Underlying impairment charge 0 2 (1)
Profit before tax 289 296 249
External income (435) (353) (210)
External operating lease depreciation 0 0 0
Inter-segment (expense) income £ 828 £ 724 £ 546